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...academic year. Once approved, detailed shuttle information and schedules can be found at http://www.uos.harvard.edu/transportation/passenger_transport_services/. Harvard College is working with Passenger Transport Services to maintain shuttle service during peak hours of ridership, including morning and late afternoon periods. In addition, we have ensured the continuation of Shuttle Tracker, the real-time GPS tracking system which allows students to wait indoors until a shuttle is nearing a stop, helping them plan their schedules more efficiently. However, preliminary service reductions during the academic year will be instituted including the following...
...money for independent research stops in July? By some measures, the bias of investment-bank stock research has, in fact, changed since the late 1990s and early 2000s. Back then, only about 1% to 2% of the companies covered by banks carried a "sell" rating, according to research-tracker Investars. These days, that figure falls more in the 15% to 20% range-an indication, one might argue, that analysts are making tougher calls on the companies they cover. That probably has a lot to do with a slew of new rules that separate stock analysts from their firms' investment banking...
...mortgage than the place is worth. Nevada, of course, is ground zero for the real estate bust - but it's hardly alone in having truckloads of "underwater" homeowners. As of December, 19.8% of mortgage holders nationwide had negative equity in their houses, according to a new report by loan-tracker First American CoreLogic. That tally, which takes into account both first and second mortgages, represents 8.3 million homeowners, 700,000 more than when the firm checked in September. (See pictures of Americans in their homes...
...subprime loans were either behind on payments or in foreclosure. Now, though, with companies cutting back work hours and unemployment hitting 7.6%, borrowers of all stripes are running into trouble. "Originally, the loan product was driving a lot of the delinquencies," says Steve Berg, managing director of loan-tracker LPS Applied Analytics. "Now you have widespread house-price deterioration and people losing their jobs. If you lose your job, it doesn't matter if you have a good loan product, you still might not be able to make your payment...
...Unfortunately, those predictions proved too optimistic. According to mortgage-data tracker First American LoanPerformance, banks have already foreclosed on or are in the process of foreclosing on 1.5% of the mortgages originated in the last three months of 2007 to individuals with credit scores between 660 and 720. And those mortgages have been around for only a year. Over 30 years, the delinquency rate on those home loans is likely to be much higher...